Basic Account HolderDo you record your calls?You'll regret it if you don't.

Cagger since : Oct 2018

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Prac financial/bw legal headache

Hi guys

Any advice on how I can get rid of a CCJ issued by PRAC Financial?

My credit report states that the default on my loan with Payday UK (whose debt Prac has acquired) is Satisfied as of Jan 2017. Another credit report says its closed. Unfortunately these clowns still want their pound of flesh.

Ive received two letters. One from Northampton county court about the CCJ and one from BW Legal saying I pay the amount of £1,029.

I dont want to pay another £255 to set aside. I dont want to pay anything to remedy?

Re: Prac financial/bw legal headache

when a creditor sells on a debt they mark their file as satisfied with a £0 balance.

the debt still existed...

I will assume you moved, didn't tell your creditors, and they got the backdoor CCJ with everything filed to that address, which is quite legal.

not sure you can do anything sadly, unless you didn't owe the money?

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Re: Prac financial/bw legal headache

nonsense to what?
you owed the money you ran away?

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Re: Prac financial/bw legal headache

its there for 6yrs paid or not.

ok lets resit things else we'll go around in circles all day...

are you indicating you never had a this PDL?

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Re: Prac financial/bw legal headache

did you send PDUK an SAR before they sold it on
why do you think it was paid off?
was it part of a refinance chain?

sadly although not nice, they are within their legal right to sell it onat anytime
what puzzles me is how come the fleecers got a CCJ you knew nothing about?

did you moved address and not inform people?

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